Wellcare Dual Access (HMO-POS D-SNP)

Wellcare Dual Access (HMO-POS D-SNP) is a HMO-POS D-SNP plan offered by Centene Corporation available for enrollment in 2025 to people living in Select counties in Oregon. This plan received an overall rating of 3 out of 5 stars in 2026.

It's important to know that Wellcare Dual Access (HMO-POS D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.

Key Plan Facts

Below are a few key facts and commonly-asked questions about Wellcare Dual Access (HMO-POS D-SNP).

Plan Costs:

The cost of a Medicare Advantage Plan is made up of four main parts.

• First, the monthly premium — the amount you pay every month.
• Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
• Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
• Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.

You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.

Common Services:

Drug Coverage

The Wellcare Dual Access (HMO-POS D-SNP) prescription drug plan features an annual drug deductible of $615. For Tier 1 preferred generics and Tier 2 generics, one-month copays start as low as $18 at preferred pharmacies, with three-month supplies available for no copay through preferred mail order. Additionally, Tier 6 select care drugs are highly accessible, offering no copay for refills at preferred pharmacies and through preferred mail order. For brand-name and specialized medications, Tier 3 preferred brand drugs require a $47 copay for a one-month supply at both standard and preferred pharmacies. Tier 4 non-preferred drugs carry a 43% coinsurance, while Tier 5 specialty tier drugs require a 25% coinsurance for a one-month supply. Utilizing preferred pharmacies and preferred mail-order options provides the most cost-effective way to fill prescriptions under this plan.

Additional Benefits

The Wellcare Dual Access (HMO-POS D-SNP) plan offers robust medical coverage where many outpatient services, primary care visits, diagnostics, and durable medical equipment require no copay and a 20% coinsurance. For inpatient hospital stays, members pay no coinsurance but are responsible for a $2,230 copay per stay for acute care and a $2,080 copay for psychiatric care. Emergency services are covered with a $115 copay, which is waived if the patient is admitted to the hospital within 24 hours. This plan also provides excellent value on everyday health needs, offering no copay and no coinsurance for home health care, annual physicals, preventive dental services, and over-the-counter items. Routine vision and hearing exams are covered with no copay and a 20% coinsurance, while prescription hearing aids are covered up to $500 per ear and eyewear up to $200 annually with no copay. Skilled nursing facility stays are also highly affordable, featuring no copay for days 1 to 20 and days 71 to 100.